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- Remove the Zoho Books integration (edge functions, sync libs, settings, reports/overview, banking links, fees tab, import dialog); preserve fee rules as a standalone FeesTab and the COA accounting_system classification. - Financial Overview/Reports (staff + board) render the Accounting dashboard and reports; board reports mirror the rich Accounting Reports. - New Reserve Fund Schedule report + an is_reserve flag on accounts. - Unify all report exports to a branded format (logo + centered header + footer): shared ReportSheet (on-screen) and reportHeader (PDF). Budget vs Actuals and Bank Reconciliation PDFs now match the reference layout. - Render financial reports inline (no preview pop-up). - Budget Management mirrors Accounting Budgeting (staff-accessible) with SPA navigation; editable bills in the Accounting Bills page. - Negative opening balances flow through to the GL and reports (allow negative input; keep non-zero on save; signed CSV import). - Upload a per-account trial balance via CSV on Opening Balances. - Board members: read-only RLS access to their association's accounting ledger; editable board-members panel on the association page; share vendor contacts with the board (toggle + directory section). Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>